How do I find a public adjuster near me in Texas?

DCS PIA (Dependable Claims Specialists Public Adjusters) is a Texas-licensed firm (TX Firm License #3134924) headquartered in Webster, TX. We serve the Greater Houston area across Harris, Galveston, Brazoria, Fort Bend, Montgomery, Chambers, Liberty, and Waller counties. Call 833-4UR-LOSS for a free claim review or schedule online.

Are private adjusters and personal adjusters the same as public adjusters?

Yes. "Private adjuster" and "personal adjuster" are informal names for the same state-licensed professional: the Public Insurance Adjuster (Texas Insurance Code Chapter 4102). All three names map to the same license, the same fiduciary duty, and the same job, representing the policyholder, not the insurance carrier. DCS PIA is licensed in Texas (TDI License #2237777).

How much does a public adjuster near me cost?

Texas public adjusters work on a contingency fee basis, a percentage of the settlement paid only on recovery. Texas Insurance Code Chapter 4102 caps the fee at 10%. There are no upfront costs, hourly fees, or charges if we do not recover. The contract must be in writing.

When should I hire a public adjuster instead of handling the claim myself?

Hire a public adjuster when the carrier denies the claim, underpays the estimate, delays past statutory deadlines, sends an adjuster who refuses to scope obvious damage, or sends an offer that does not match the visible loss. Also consider one for any commercial claim, any total loss, or any claim over $25,000, where carrier-vs-policyholder estimating gaps are largest.

How fast can a public adjuster near me get on site?

For Greater Houston residents, DCS PIA typically inspects same-day or next-business-day from the Webster, TX office. Emergency response is available 24/7 for active losses. Call 833-4UR-LOSS to schedule.

Which cities does DCS PIA prioritize first?

DCS PIA prioritizes cities by distance from its Webster, TX headquarters (29.5375 N, -95.1184 W). The 150-mile radius around Webster is the primary service area: Tier 1 is within 50 miles (Harris, Galveston, Brazoria, Fort Bend, Montgomery, Chambers, Liberty, Waller counties - flagship cities include Webster, Clear Lake, Friendswood, League City, Pearland, Pasadena, Houston, Sugar Land, Katy, Spring, The Woodlands, Conroe, Galveston, Texas City, Dickinson, Alvin); Tier 2 is 50 to 100 miles (Beaumont, Bryan/College Station, Huntsville, Wharton, Bay City, Brenham); Tier 3 is 100 to 150 miles (Victoria, Lufkin, Nacogdoches). DFW, Austin, and San Antonio metros are served under the statewide TX license under a mixed remote-and-dispatch model.

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Updated:June 8, 2026

Dependable Claims Specialists (DCS PIA) is a Texas-licensed public adjusting firm (TX Firm License #3134924) based in Webster, TX. We represent policyholders, not insurance carriers, in property damage claims across the Greater Houston area, eight Gulf Coast counties, and surrounding communities. Free claim review. No recovery, no fee. Call 833-4UR-LOSS.

Office hours: Monday-Friday 9 AM - 6 PM Central. Emergency claim response available 24/7.

5.0 on Google17+ verified reviews TX TDI #3134924Verify on TDI APA MemberAmerican Policyholder Assn.TAPIA + FAPIATX & FL PA associations

Licensed, experienced, and working exclusively for you, not the insurance company.

Schedule Free Consultation Call 833-4UR-LOSS

Why Hire a Public Adjuster Near You?

Local Knowledge Matters

A public adjuster near you understands local building codes, weather patterns, and the specific risks your property faces.

Faster Response Time

When disaster strikes, you need someone who can be on-site quickly. Our adjusters are based in the communities they serve.

Relationships With Local Contractors

We work with trusted local contractors and restoration companies to ensure quality repairs at fair prices.

Understanding of Regional Insurers

We know how local insurance companies handle claims and can anticipate their strategies.

Since 2017

Firm Founded

TX-Licensed

TDI #3134924

Millions

Recovered

No Recovery

No Fee

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Harris County, TX

28 cities served

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Why Hire a Public Adjuster Near You?

Local Knowledge Matters

Faster Response Time

Relationships With Local Contractors

Understanding of Regional Insurers

Browse Public Adjusters by Location

Harris County, TX

Montgomery County, TX

Brazoria County, TX

Galveston County, TX

Fort Bend County, TX

Chambers County, TX

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Waller County, TX

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